BlastPoint's Banking Scorecard

Wellworth Bank

$1B-$10B Specialty: Commercial TN FDIC cert 1711

Designations: ✓ Community bank

Lafayette, TN

20 branches across TN

884 banks in the $1B-$10B peer group nationally 28 in TN

Wellworth Bank has 1 strength but faces 2 concerns

Key Strengths include matched growth signatures, metrics ranked in the top 10%, and values meaningfully above the tier average.

Key Concerns include matched risk or decline signatures, metrics ranked in the bottom 10%, and values meaningfully below the tier average.

Key Strengths

Areas where this bank excels compared to peers

+ Efficiency Ratio 2.84% below tier average

Key Concerns

Areas that may need attention

- ROA 0.06% below tier average
- Delinquency Rate 0.50% above tier average

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Core Metrics

As of 2026-Q1

Metric	Current	vs Tier	Tier Avg	State Avg (TN)	National Avg	Tier Percentile
Total Assets ?	$1.8B +4.6% YoY +1.0% QoQ	-$1.0B	$2.8B -0.1% YoY	$2.8B +35.7% YoY	$6.2B +9.1% YoY	44%
Total Loans ?	$1.2B +5.7% YoY +0.6% QoQ	-$738.9M	$2.0B +0.6% YoY	$2.0B +36.6% YoY	$3.2B +10.8% YoY	44%
Total Deposits ?	$1.5B +7.4% YoY +3.5% QoQ	-$841.2M	$2.3B -0.3% YoY	$2.4B +35.2% YoY	$4.8B +8.2% YoY	45%
Return on Assets ?	1.30% +24.3% YoY +2.7% QoQ	-0.06%	1.37% +19.6% YoY	1.12% +20.1% YoY	1.23% +13.4% YoY	57%
Net Interest Margin ?	3.82% +9.1% YoY +0.6% QoQ	+0.00%	3.82% +6.9% YoY	3.93% +7.0% YoY	3.89% +5.7% YoY	61%
Efficiency Ratio ?	58.22% -6.6% YoY +0.1% QoQ	-2.84%	61.06% -4.6% YoY	66.13% -5.5% YoY	66.95% -4.1% YoY	54%
Delinquency Rate ?	1.39% +131.4% YoY +6.2% QoQ	+0.50%	0.89% +14.1% YoY	0.68% +13.4% YoY	0.95% +18.8% YoY	17%
Loan-to-Deposit Ratio ?	81.62% -1.6% YoY -2.8% QoQ	-2.59%	84.20% +0.3% YoY	79.84% +2.1% YoY	76.70% +0.9% YoY	62%
Non-Interest-Bearing Deposit Share ?	14.58% -10.5% YoY -4.9% QoQ	-6.71%	21.29% -2.5% YoY	18.48% -3.8% YoY	22.01% -1.2% YoY	26%
Nonperforming Asset Ratio ?	0.96% +133.9% YoY +5.8% QoQ	+0.28%	0.67% +15.6% YoY	0.56% +16.1% YoY	0.67% +19.3% YoY	22%
Tier 1 Capital Ratio ?	13.81% +4.0% YoY +2.0% QoQ	-1.35%	15.16% +2.0% YoY	14.23% -1.0% YoY	17.06% +0.8% YoY	60%
Non-Interest Income / Assets ?	0.15% +7.2% YoY -73.4% QoQ	-0.11%	0.26% +1.6% YoY	0.17% -1.0% YoY	0.32% +4.1% YoY	53%

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$250B+

12 performance metrics with tier, state, and national benchmarks

Signature behaviors (strengths & concerns)

Metric and signature rankings across 4,287 FDIC-insured banks

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Signature Analysis

Composite behavioral patterns that combine multiple metrics to identify what stands out about this bank. Matched signatures only; metric-level callouts appear in the Key Strengths / Key Concerns summary above.

Strengths are growth signatures this bank matches (e.g. Revenue Diversifier, Profitability Leader).

Concerns are risk or decline signatures this bank matches (e.g. Margin Compression, Credit Quality Pressure).

Strengths (0)

No matched strength signatures this quarter

Concerns (0)

No matched concern signatures this quarter

Metric Rankings

See how this bank ranks across all tracked metrics compared to peers.

Strengths are metrics in the top 25% (75th percentile or higher).

Concerns are metrics in the bottom 25% (25th percentile or lower).

Compare against:

Comparing against 884 peers in $1B-$10B

Top Strengths (0 metrics)

No strength rankings available

Top Weaknesses (2 metrics)

729

Delinquency Rate

credit_quality

Value: 1.39%

Peer Median: 0.89%

#729 of 880 Bottom 17.3% in $1B-$10B

694

Nonperforming Asset Ratio

credit_quality

Value: 0.96%

Peer Median: 0.67%

#694 of 884 Bottom 21.6% in $1B-$10B